The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$57,827
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,626
−HK$1,827/mo
Today · 4.125%
HK$61,453
baseline
▲ 0.50% · 4.625%
HK$65,193
+HK$3,740/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,906/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,332
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,058
−HK$1,750/mo
Today · 4.125%
HK$67,808
baseline
▲ 0.50% · 4.625%
HK$71,382
+HK$3,574/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,616/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,077,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,393
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,551
−HK$2,193/mo
Today · 4.125%
HK$73,744
baseline
▲ 0.50% · 4.625%
HK$78,231
+HK$4,487/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$147,488/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,199
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,269
−HK$2,100/mo
Today · 4.125%
HK$81,369
baseline
▲ 0.50% · 4.625%
HK$85,659
+HK$4,290/mo
Deposit HK$10.14M · loan HK$15.22M · min. income ≈ HK$162,738/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,958
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,476
−HK$2,559/mo
Today · 4.125%
HK$86,035
baseline
▲ 0.50% · 4.625%
HK$91,270
+HK$5,235/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,070/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,065
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,481
−HK$2,450/mo
Today · 4.125%
HK$94,931
baseline
▲ 0.50% · 4.625%
HK$99,935
+HK$5,004/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,862/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,077,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,089
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,327
−HK$3,289/mo
Today · 4.125%
HK$110,616
baseline
▲ 0.50% · 4.625%
HK$117,347
+HK$6,731/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,232/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,798
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,904
−HK$3,150/mo
Today · 4.125%
HK$122,054
baseline
▲ 0.50% · 4.625%
HK$128,488
+HK$6,434/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,108/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,799 · Scale 2, in force from 26 Feb 2026)